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North Star Mortgage Network Blog – Florida Mortgage Tips & News
Welcome to the North Star Mortgage Network Blog, where Florida homeowners, buyers, and investors come for honest mortgage advice.
Each article is written to help you make smarter financial decisions. Whether you’re exploring loan options, comparing rates, or watching the real estate market, you’ll find simple explanations and practical tips you can use.
At North Star Mortgage Network, we believe in keeping things clear and personal — no jargon, no confusion, just the truth about what’s happening in Florida’s housing and mortgage world.
What You’ll Find on the North Star Mortgage Network Blog
The North Star Mortgage Network Blog covers everything you need to understand the mortgage process in Florida.
You’ll find:
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Rate updates and Federal Reserve insights.
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Guides for FHA, VA, USDA, Conventional, and Non-QM loans.
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Local market trends from Jacksonville, St. Johns, and across Florida.
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Credit and refinance tips to help you save money.
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Step-by-step explanations for first-time buyers.
We write every post with one goal — to help you feel informed and confident about your mortgage decisions.
For additional lending and housing resources, visit HUD.gov.
Expert Insights You Can Trust
Our blog is led by Nathan Young, founder and president of North Star Mortgage Network. With over 25 years of experience in Florida lending, Nathan brings real-world knowledge and straight talk to every topic.
We break down complex mortgage topics into easy-to-read articles so you can understand how rates, loan programs, and market changes affect you.
From Jacksonville to Miami, we’ve helped thousands of Floridians buy, refinance, and invest with confidence.
Popular Topics
Here are a few of the topics we cover on the North Star Mortgage Network Blog:
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FHA and VA loan guidelines made simple.
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Down payment assistance programs available in Florida.
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Rate trends and Fed updates that affect your payment.
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Home equity strategies and refinance opportunities.
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Tips for real estate investors using DSCR and Non-QM loans.
New posts are added weekly, so check back often for updates.
Why Readers Choose the North Star Mortgage Network Blog
Unlike national mortgage blogs, our content is built specifically for Florida homeowners.
We know the local programs, market conditions, and challenges that borrowers face here. Our advice is based on hands-on experience — not national averages.
When you read our blog, you get information that applies directly to your local market and your financial goals.
Subscribe and Stay Updated
Don’t miss the latest insights from the North Star Mortgage Network Blog.
Sign up for our free newsletter to receive new posts, rate updates, and home loan advice straight to your inbox.
Florida’s housing market shows contrasts: coastal condos struggle while inland single-family homes remain stable. Listings in Florida ↑ 50% over the past year, now representing 20% of US listings.
Expectations of a larger Fed rate cut than first thought likely have surged in light of a slowing economy The eyes of the mortgage industry are squarely set on government inflation data scheduled to be released this morning, with speculation growing that a weaker-than-expected reading could spur a jumbo September interest rate cut by the…
House prices may be higher in fall due to elevated summer closing values. Less competition in fall can be advantageous, but serious buyers are still active.
The 28% rule suggests spending no more than 28% of gross income on a mortgage. FHA allows up to 31% of gross income for mortgage payments, offering more flexibility.
Homeowners can deduct mortgage interest, property taxes, and mortgage points on their tax returns. Tax deductions require itemization; compare with the standard deduction for possible better tax benefits.
Demand for single-family rentals (SFRs) has increased, but inventory and days on the market are rising. National SFR inventory increased by 16.7% in the first half of the year.
HomeReady Mortgage Overview: – Targets low-to-moderate income borrowers – Requires 3% down payment – Flexible income sources included Down Payment and Assistance: – Down payment: 3% minimum – Sources: Gifts, grants, second mortgages – National Homebuyers Fund: up to 5% assistance
Homeowners can tap into their equity, potentially accessing tens to hundreds of thousands of dollars. A $40K home equity loan won’t drastically reduce equity, with the avg homeowner holding $290K.
Preparing your home for sale involves strategic planning and execution. Hiring a skilled Real Estate agent can significantly enhance the selling process. Creating a welcoming and clean environment is crucial for attracting buyers. High-quality photos, virtual tours, and staging can boost your home's appeal. Pricing your home competitively and being flexible with showings are key…
